Message from the Chairman & CEO

Dear Valued Customers, Partners, and Shareholders,

It is a pleasure to connect with you and share a bit about who we are and where we’re headed. Twin Cedars Bank was built on the belief that strong communities deserve a community focused local bank. Through the acquisition of the State Bank of Bussey, that belief became a reality, and it continues to shape how we serve our customers and community every day.

When I founded Twin Cedars Bancorp, Inc., my goal was to create a bank people could trust and feel good about doing business with. From the beginning, we have focused on relationships, sound decision-making, and a genuine commitment to the communities we call home. Those values remain central to our culture as we continue to grow.

The past few years have marked an important period of progress for Twin Cedars Bank. We were honored to be recognized on Inc. Magazine’s Inc. 5000 list in both 2024 and 2025, a reflection of our dedicated team and the confidence our customers, partners, and shareholders place in us. While we are proud of this recognition, what matters most to us is continuing to earn your trust—one relationship at a time.

We remain committed to enhancing the banking experience by investing thoughtfully in technology, expanding our services, and providing tools that help individuals and businesses succeed. Initiatives like our Money IQ financial literacy program reflect our belief that informed customers are better positioned to make confident financial decisions.

At its core, Twin Cedars Bank is about people. I have the privilege of working alongside a talented team that cares deeply about our customers and communities. Banking allows us to bring people together, support local growth, and help our neighbors move forward—and that is what makes this work meaningful.

Thank you for choosing Twin Cedars Bank and for allowing us to be part of your financial journey. We look forward to growing alongside you for many years to come.

Let's Grow Together!

Warm regards,

Rudy N. Fors, Chairman, President & Chief Executive Officer